VA Mortgage and Occupying the Home | 60 Days or More?

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VA Occupancy Rules
VA Occupancy Rules

Veteran’s have access to an outstanding home loan option designated just for them – a VA mortgage.  One requirement is that a primary residence is the only type of home that is able to be financed by a VA Home Loan.  However, while moving in to a newly purchased primary residence within 60 days is the standard rule, VA allows for some flexibility.

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VA Allows Occupancy After 60 Days From Closing

Commonly, a qualified veteran is unable to move into the home immediately.  There are a number of reasons for this.  For example, veteran’s are often deployed on active duty.  As a result of these scenarios, VA home loan rules are more lenient regarding immediate occupancy.

In fact, FHA loans, Conventional Loans and USDA loans require that all owner occupant borrowers occupy the home within 60 days from closing.  Arizona VA loans allow for 3 different options related to a veteran’s occupancy.  Under these 3 options, the home is still a primary residence.

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Veterans Do Not Need to Move in Immediately

VA home loans offer 3 different options when it comes to occupying a home.  They are:

  1. A veteran occupies within 60 days from closing on their VA home loan
  2. The veteran occupies their new home within 12 months from closing on their VA home loan
    1. Veteran must provide documentation explaining the cause of 12 month delay
  3. A veteran’s spouse occupies the new home within 60 days from closing on their new VA loan as long as spouse is also on the loan

Between these 3 options, veterans typically find ont that works and allows them to continue serving our nation.  It is important that veterans be aware of these options.  In conclusion, a VA home loan regulations allow great flexibility relative to the “occupy your new home in 60 days” rule.

By Jeremy


  1. I was just denied a VA Home Loan because I currently work as a Private Security Contractor and spend more than 6 months of the year overseas working. They tell me my home will be considered a second home and not my primary residence since I will only occupy it less that 6 months out of the year. Ive lived in this town my whole life, this house is 10 minutes from where ive lived for over 30yrs now, my whole family is in this town. How is it that im being punished for having a great job that pays me well and affords me the opportunity to finally pull the trigger and purchase my first home, I just cant wrap my head around this. Ive been doing research online and all the websites say the same thing “if you have a job that contains a good amount of travel and keeps you away from home, you need to have to things”
    1. The veteran must have a continuous history of residence in the community and 2. The veteran must not intent to occupy or establish residence in another location.
    Is that true? Is that all I need to do???
    I absolutely refuse to believe this is the reason im being disqualified for my VA Loan, there has to be something that can be done!

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